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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,907 | $118,496-83.2% | $98,461-79.8% | $139,466-85.7% |
| Participation rate | 18.2% | 77.5%-59.3pp | 75.2%-57.0pp | 80.3%-62.2pp |
| Annual return | 79.15% | 18.96%+60.2pp | 21.17%+58.0pp | 373.66%-294.5pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $724 | $5,393-86.6% | $4,738-84.7% | $6,712-89.2% |
| Admin fee / account holder | $12,845 | $14,056-8.6% | $8,961+43.3% | $11,409+12.6% |